Enter your age and income and see the 2027 marketplace price after the tax credit in 23 states, next to a private plan estimate. States sorted cheapest first.
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Licensed Independent Agent · NPN #22052447 · 23 States
What this shows: what the benchmark marketplace plan would cost you in each of the 23 states covered here, after the 2027 tax credit for your income, next to the private plan estimate. Change the age or income and the states re-sort, cheapest first. The example: a 45-year-old earning $85,000.
| State | Marketplace full price | Tax credit | You pay, benchmark Silver | Private plan estimate |
|---|---|---|---|---|
| Maryland | $536 | none | $536 | $270–$420 |
| Virginia | $601 | none | $601 | $350–$505 |
| Indiana | $629 | none | $629 | $305–$390 |
| Nevada | $657 | none | $657 | $260–$470 |
| Ohio | $674 | none | $674 | $275–$435 |
| Michigan | $677 | none | $677 | $350–$475 |
| Colorado | $692 | none | $692 | $410–$510 |
| Utah | $777 | none | $777 | $260–$435 |
| South Carolina | $778 | none | $778 | $350–$505 |
| South Dakota | $815 | none | $815 | $255–$485 |
| North Carolina | $828 | none | $828 | $220–$440 |
| Oklahoma | $830 | none | $830 | $350–$505 |
| Illinois | $832 | none | $832 | $375–$505 |
| Georgia | $839 | none | $839 | $260–$475 |
| Wisconsin | $840 | none | $840 | $350–$500 |
| Florida | $852 | none | $852 | $365–$515 |
| Texas | $852 | none | $852 | $375–$475 |
| Alabama | $880 | none | $880 | $350–$470 |
| Kansas | $905 | none | $905 | $255–$475 |
| Mississippi | $906 | none | $906 | $350–$495 |
| Nebraska | $911 | none | $911 | $350–$505 |
| Arkansas | $927 | none | $927 | $350–$505 |
| Tennessee | $929 | none | $929 | $350–$485 |
Monthly. Marketplace: the benchmark Silver plan (2027 estimate: KFF 2026 benchmark raised by each state’s average 2027 change, on the federal age curve; children counted at the under-15 rate, up to three). Tax credit: 2027 rules, 2026 poverty guidelines ($15,960 for one person, $5,680 for each added person), capped at 10.22% of income and none over 400% of the line. Some state-run marketplaces add their own help. Private: the site’s estimate, healthy, before health questions; its low end is the main private plan, which has no deductible (in Colorado, no deductible for day-to-day care).
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A licensed agent checks your tax credit and prices the private plans for your county. Free, no obligation.
Check my ZIP →“I don’t know why I was paying so much for my BCBS plan. I wasn’t even using it, maybe because the brand has such a big network, but now I pay half as much and I don’t have a deductible.”
The insurance company pays the agent, never you, and the premium is the same either way.
One licensed agent, NPN #22052447, who sells marketplace and private plans, so you hear about both.
Your ZIP code is the only thing needed to see what is available where you live.
For 2027, the benchmark Silver plan at full price for a 40-year-old runs from about $474 a month in Maryland to $822 in Tennessee across the 23 states covered here (estimates).
The share of income you pay is set nationally, so under the line most states come out close. The credit itself is bigger where the benchmark price is higher.
General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.
Send your ZIP and a licensed agent works out your real 2027 price after any tax credit, and what a private plan would cost you. It costs nothing, and you deal with a licensed agent, not a call center.
What You Pay Above the Subsidy Cliff, State by State · Health Insurance Comparison Chart by State · Health Insurance Rating Areas, State by State · Health Insurance Premiums by Age, State by State · Insurers Leaving the ACA Marketplace in 2027 · Cheapest States for Health Insurance 2026 — All 51 Jurisdictions · Cheapest States for Health Insurance (2026) · 7 States With No PPO Plans · Where One Insurer Controls the Market · The Age Curve, State by State · Where Your County Matters Most · Carrier Competition by State
The tool uses state averages. Enter your ZIP and a licensed agent checks your tax credit and prices your county’s plans next to the private options.
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